Cash ISACompare 3 Year Fixed Rate Cash ISAs

Principality Building Society 3 Year Fixed Rate Cash ISA Review

A three-year cash ISA from Principality Building Society. It ranks 21st of 33 three-year cash ISAs we track.

Fixed rate · 3 years

4.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 21st of 33

3-year cash ISAs we track

Just below average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 3-year cash ISA
4.68%
About the same
Best 3-year cash ISA
5.13%
Pays 0.48% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 3 years

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Estimated returns with Principality Building Society's Cash ISA

What you could earn with Principality Building Society's 3 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£146

At 4.65% AER

£5,000 saved

£730

At 4.65% AER

£10,000 saved

£1,461

At 4.65% AER

£20,000 saved

£2,922

At 4.65% AER

Estimated over the 36-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Principality Building Society 3 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Principality's 3 Year Fixed Rate Cash ISA pays 4.65%, which sits above the cash ISA market average but still 0.60% behind the category leader at 5.25%, so it is a decent but not standout choice. It does beat August 2026 CPI of 3.1% by 1.55%, meaning your money grows in real terms. The hard catch is that access is completely locked until maturity, so only commit money you are certain you will not need for three years, with a minimum of £500 and a maximum of £20,000. If you want to shop around, Hampshire Trust Bank's 3 Year Online ISA Fixed Saver offers 4.83%.

Compare Cash ISAs

2 alternatives to Principality Building Society's 3 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Cash ISA

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